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Micro Lending Academy: Advanced Balance Sheets

Now that we all know what a balance sheet is and how it operates, what type of analysis can we do with it? In this webinar we will review some common balance sheet ratios used by lenders, but then move onto analysis that is useful for business owner management decisions.

Micro Lending Academy: Balance Sheet Basics

This webinar, the first of a two-part series, will be an introduction to Balance Sheets accounts, what they mean and how they work together. We have a fun exercise (you can use it in your classes!) that demonstrates how the Balance Sheet changes with each business transaction.

Micro Lending Academy: Cash Flow Basics

This webinar will help train your staff on projections and give you a format for teaching projections to your business clients. We’ll answer questions such as: What is a cash flow projection? Why does a business owner need one? How is it different than a P&L projection? We’ll provide a couple of sample spreadsheets to ‘take with you’ to use with clients.

Micro Lending Academy: Loan Capital Projection Worksheet

CAMEO has developed a tidy spreadsheet tool to project how much loan fund capital you will need based on loan volume, interest rate and loan loss. On this webinar you will receive a copy and see how it works. We’d like to get your feedback as well, to see if we’ve structured it to meet your loan fund operational needs. Our microlending guru, Susan Brown, will host. This MicroLending Academy webinar is appropriate for all lenders or technical assistance providers who are thinking about a loan program.

Micro Lending Academy: Credit Reports

Always review a client’s credit report before sending her off to a lender. Learn how to assess the strength of your client’s past use of credit and help them address problems before applying for a loan.

Micro Lending Academy: Global Cash Analysis

While some microlenders are willing to lend based on projections, many look at current cash availability to determine debt service capacity. Susan Brown reviews how microlenders look at cash flow when assessing a borrower’s loan request.

Micro Lending Academy: Profit and Loss Statements

The Profit & Loss statement is a fundamental business management tool for your clients. What does a lender look for? Susan Brown shows how to view the P&L through a lender’s eyes to help you work more effectively to prepare clients for a loan application.

Building a Do-It-Yourself Economy

The nature of our economy is changing and that means our economic development toolkit needs an update. A shift is needed to move from old methods that may have worked for a different economy to a new innovative, creative and flexible method that will work for today’s economy – a method that is based on creating jobs locally, one based on a “Do-It-Yourself (DIY) economy.”

Start Microlending the Smart Way

Have you been thinking about adding microlending to your TA-lead microenterprise organization’s programs? Learn how CAMEO’s Microlending Management System (MMS) project can make a microloan program launch more efficient, lower cost and more successful.

Small Business Lending Landscape

Small business owners still struggle to access capital, and women- and minority-owned business have an especially difficult time. One proven strategy for serving hard to reach communities is the use of modest referral fees. By modifying the California Finance Lenders Law to allow business lenders to pay referral fees to their clients and partners (for successful business loan applications of $5,000 and above), it is possible to harness existing social capital to bring desperately needed financial capital to low income and minority communities.